LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • We are hiring! Click here to view our open positions.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

Garage Sale Tips: How to Find (And Negotiate) Amazing Deals

Posted: June 11, 2019

For some, the start of warm weather means getting ready for yard work, swimming, and vacations. But for bargain hunters, it’s time to scope out neighborhoods and classified ads for this weekend’s treasure hunt. That’s right – it’s garage sale season. As families clear out their homes in the name of spring cleaning, unwanted items undoubtedly find their way for sale. And if one person’s... Read Article

How Universal Design Can Help You ‘Age in Place’

Posted: June 10, 2019

For many Americans, approaching retirement also means getting ready for another major life transition – purchasing a new home. That’s because features like stairs, narrow hallways, and small bathrooms can become difficult to navigate as you age.  But what if you could have your “forever” home now?  Universal design is a new architectural science that makes this possible. It helps builders create homes that are... Read Article

Flood Insurance for your Business

Posted: June 7, 2019

In 2018, at least a dozen big cities in the eastern US recorded the wettest year to date, including cities in our area like Roanoke, Virginia and Charleston, West Virginia. In addition, for the fourth consecutive year, “hurricane activity began prior to the official June 1 start of the season. [. . .] The 2018 hurricane season was the first since 2008 to have four... Read Article

Cyber Security

Posted: June 7, 2019

THEFT. It’s a serious word. You lock your business doors at night to protect your physical property; you carry property insurance to make sure a loss doesn’t impact your operations. But what happens when your electronic property is stolen? You may be thinking, “I’m a small business! No one would target me!” Wrong. According to a recent Travelers Insurance survey, 60% of cyber events affected... Read Article